VELARU MANDATE EXHIBIT PACK — AI TENANT SCREENING / FAIR HOUSING
Jurisdiction: Germany (de)
Modality: Text / Chat
Program: Velaru AI Tenant Screening / Fair Housing · Germany (galactic_tenant_screening_de)
Product ID: tenant_screening:de:bundle:text
Vertical: tenant_screening
Generated: 2026-08-22T22:55:24.060652Z
Authority: Germany BaFin AI Pack — FCRA §615 + Fair Housing AI Screening Pack
Deadline: HUD AI guidance enforcement wave
Velaru verify: https://velaru-erra.onrender.com/verify

EXHIBIT A — AI INVENTORY
[]

EXHIBIT B — GOVERNANCE FRAMEWORK
{
  "framework": "Velaru Mandate Registry \u2014 AI Tenant Screening / Fair Housing",
  "exhibit_authority": "Germany BaFin AI Pack \u2014 FCRA \u00a7615 + Fair Housing AI Screening Pack",
  "regulatory_frameworks": [
    "Fair Housing Act",
    "FCRA Section 615",
    "HUD AI guidance",
    "ADA Title III",
    "EU AI Act Annex III",
    "EU AI Act",
    "BaFin AI guidance",
    "GDPR",
    "German AI Strategy"
  ],
  "standards_alignment": [
    "POSS-2",
    "DRP-1",
    "TCB",
    "FRE 707 pre-compliance",
    "ISO 42001"
  ],
  "human_oversight": "approve/deny rental application",
  "third_party_verification": "https://velaru-erra.onrender.com/verify (operator-independent)",
  "data_lineage": "Hash-chained Ed25519 receipts; optional RFC3161 + external anchor",
  "mirror_trap": "Adverse action notice requires what data AI used \u2014 receipt IS the notice infrastructure. \u00b7 BaFin expects bank AI documentation in German exam language \u2014 receipt metadata supports localization.",
  "chain_integrity": {
    "depth": 6,
    "invariant_holds": true
  }
}

EXHIBIT D — DATA INPUTS & VALIDATION
{
  "data_validation_method": "Cryptographic receipt per AI decision; public verify without trusting deployer, vendor, or Velaru operator",
  "bias_testing_proxy": "Asymmetry score from live chain signals",
  "model_change_control": "Policy lock registry \u2014 criteria hash frozen pre-dispute",
  "logging_retention": "90-day pre-dispute window minimum; permanent verify permalinks",
  "external_validator": "Nisaba LLC / Velaru",
  "validator_independence": "Client-side Ed25519 verify; BYOK tri-receipt optional",
  "headline_stat": "ZIP-as-proxy = redlining pattern \u2014 AI screening in DOJ crosshairs",
  "global_leaders_addressed": [
    "HUD",
    "RealPage (litigation)",
    "AppFolio",
    "Zillow",
    "DOJ Civil Rights",
    "BaFin",
    "Volkswagen",
    "SAP"
  ]
}

MIRROR TRAP (regulatory insight)
Adverse action notice requires what data AI used — receipt IS the notice infrastructure. · BaFin expects bank AI documentation in German exam language — receipt metadata supports localization.

NERVE CARDS — WHY GLOBAL LEADERS CARE
[
  {
    "title": "RealPage ripple",
    "body": "Property mgmt AI pricing/screening consolidated \u2014 systemic fair housing exposure.",
    "source": "vertical"
  },
  {
    "title": "FCRA 30-day clock",
    "body": "Adverse action without specific factors = automatic statutory damages pattern.",
    "source": "vertical"
  },
  {
    "title": "Insurance bind",
    "body": "Landlord policies increasingly ask if AI screening used \u2014 silent = E&O for broker.",
    "source": "vertical"
  },
  {
    "title": "[Germany] Automotive",
    "body": "German OEM AV and industrial AI \u2014 strict liability culture demands proof.",
    "source": "jurisdiction"
  },
  {
    "title": "[Germany] Works council",
    "body": "Betriebsrat co-determination on workplace AI \u2014 receipt proves consultation occurred.",
    "source": "jurisdiction"
  },
  {
    "title": "[Text / Chat] Modality hook",
    "body": "Baseline \u2014 all frameworks apply to text decisions.",
    "source": "modality"
  }
]

BOOK SUMMARY: {
  "total_insureds": 0,
  "compliant": 0,
  "grace_period": 0,
  "non_compliant": 0,
  "expired": 0,
  "not_enrolled": 0,
  "compliant_pct": 0.0
}

TAM / EXPOSURE: 44M US renter households · algorithmic screening litigation
INSURANCE LINES: Landlord liability, Fair housing E&O

DISCLAIMER: External validation evidence pack — not legal advice, not filed rate approval.